Belleair, FL natural hazards
Most of the natural-hazard damage FEMA expects in Belleair comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 183 claims here since 1979. 11 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Belleair?
FEMA expects yearly storm and flood damage to homes and buildings in Belleair to be higher than in 50% of U.S. communities, mostly from hurricanes and inland flooding.
What Belleair faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Hurricanes
Inland flooding
Coastal flooding
Tornadoes
Cold waves
Lower here
Not a risk here
Does Belleair flood?
Every paid claim on a federal flood insurance policy in Belleair, from FEMA’s records.
Biggest named events
- Hurricane Helene: 70 claims, $12.2M
- Blizzard of 1993: 64 claims, $1.5M
- Hurricane Milton: 8 claims, $496K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
What’s been done with FEMA grants
11 federal disasters brought FEMA money here
Disasters the President declared that paid out in Belleair itself: aid to households, or repair grants to the Town of Belleair.
Hurricane Milton
Hurricane Helene
Hurricane Debby
Hurricane Idalia
Hurricane Ian
Hurricane Irma
Hurricane Hermine
Tropical Storm Debby
Hurricane Jeanne
Hurricane Frances
Tropical Storm Bonnie and Hurricane Charley
Belleair and the towns around it
How to read this page
FEMA’s expected losses across Belleair total about $1.6M a year, counting buildings, people and crops.
Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.